Your smoking history can significantly affect your rate class. Life insurance companies have specific tobacco guidelines and they will use your smoking history to determine your rate class. Tobacco Products include pipes, cigars, chewing tobacco, dip, snuff, nicotine patches and gum. Use of these products will categorize you as a smoker.
Life insurance rates will be significantly affected by your cigarette use history or your tobacco use history. If you are a smoker, affordable life insurance can still be purchased. Click here to get an instant quote.
Special information for cigar smokers and chewing tobacco users
There are some companies that will give preferred rates for moderate cigar smokers and moderate users of chewing tobacco. Check with us and we can tell you about special programs for moderate smoker term life insurance. Send us an email and ask us about the special tobacco programs. These are not shown on the instant quote engine so contact us.
Click here for more information on how an insurance company may determine your risk class and why this class is important in determining your rates.
IMPORTANT: Even if you apply as a standard or preferred risk, our companies will offer you their very best possible rates (preferred, preferred plus ) whenever possible. A preferred smoker term life insurance rate may vary even among the companies we work with.
Generally a simplified physical exam is required to obtain most types of term life policies. The physical exam can be completed at your home or other convenient location. The exam generally takes only about 15-30 minutes and is conducted by a licensed paramedical or medical doctor. The exam generally involves a blood and urine specimen, blood pressure reading, height and weight measurements, and a series of questions regarding your medical history will be asked.
If you have questions, please contact us and we will provide you with additional information.
Final expense insurance also referred to as “funeral” or “burial” insurance, is a life insurance policy that is designated for paying the final expenses of the insured that typically accumulate leading up to and immediately after the insured’s death. It is no secret to anyone living in the United States … Continue reading Final Expense Insurance – What is it and Why Should I Buy It?Read More
Preexisting conditions will usually have a substantial impact on life insurance rates; however, they do not always prevent you from being able to purchase an affordable policy. The good news is the life insurance industry has become very competitive, and insurance companies are now offering life insurance policies to people … Continue reading Buy Life Insurance with Preexisting ConditionsRead More
Life Insurance Terms You Should Know Just like with lawyers, members of the insurance industry use unfamiliar terms when they discuss the various products they represent. Not because they’re smarter than anyone else, it’s just the nature of the industry. Certainly, anytime you’re speaking with an agent, you can … Continue reading Life Insurance Terms You Should KnowRead More